Blog Invest 5 Ways to Invest with Just A Little Money in 2021

5 Ways to Invest with Just A Little Money in 2021

date September 14, 2020 time 3 min read 1163 views

You may not have enough to make large investments, but you can still earn a good income investing with a little money. Here’s how to start investing with only a couple hundred dollars in your pocket.

The most common excuse people give for not investing is a lack of funds. They believe investment is a luxury they can only afford when they have more than enough. 

The fact is, there are many ways you can reap significant rewards from little investments. Let’s get right into the best way to invest the little money you have.

You can still invest even with a small amount of money online
You can still invest even with a small amount of money online (source:

The top 5 ways to invest with only a little bit of money

Peer-to-peer lending 

Peer-to-peer lending (P2P) is a practice where lenders match with borrowers through an online platform. It’s a great way to receive steady returns off of personal loans, an asset not directly tied to the stock market.

P2P can be a great way to invest with small money online. P2P platforms that let you invest with low minimum deposits include MyConstant, LendingClub, Prosper, and Payoff. Some let you start with amounts as low as $25.

Real estate crowdfunding

You may find it hard to believe, but with as little as $500, you can be a real estate investor. In this type of investment, you team up with other investors to buy real estate together, making you a partial owner and eligible to earn any profit made from selling the property. 

Platforms that let you invest in real estate crowdfunding include RealtyShares, Realty Mogul, iFunding, and Fundrise.

Mutual funds 

A mutual fund pools money from different investors and spreads the investment across bonds, stocks, and other securities. Profits from these investments are then shared among investors semi-annually or annually. You only need between $500 to $5,000 as your initial investment to get started.

Brokers like Ellevest, FirstTrade, and You Invest allow you to open an account with $0.


Hiring an investment manager can help you get the most out of your investments by making the smart market moves you can’t see. However, human advisors cost money, and since you’re working with little money, that’s probably not a great option.

Luckily, you can leave it all to a robo-advisor at a far lower price. With as little as $100, your robo-advisor can get you started on smart investments. Some of the best robo-advisors include Betterment, Ellevest, Wealthfront, and SoFi.

You can open an account with many of these services with $0 and only pay between $0 to $5 in monthly management fees, depending on your preferred platform. If your portfolio is doing well, it will likely pay for itself!

Earn more money with multiple streams of income

There are hundreds of new places where you can invest today with little money up front
There are hundreds of new places where you can invest today with little money up front (source:

While you can certainly invest with what you have, bear in mind that little investments in one avenue may not be enough to give you the break you need. Your best bet is to create multiple streams of income.

For example, today it’s easier than ever to monetize your hobbies. Companies are hunting for even minor content creators to promote their products online. And many of them have lucrative referral rewards programs you can use called affiliate programs.

If you like talking about finance online, you can check out our affiliate program. For every person you refer to MyConstant, you get a bonus of $20, and you also get 20% of earnings when your referee invests in flex for 4% APY.

Start investing with just $50 on MyConstant

At MyConstant, we’re a peer-to-peer lending platform that allows you to invest as low as $50 for up to 7% APR.

Every loan you invest is backed up to 200% by cryptocurrency collateral. We also offer our instant access account where you can earn  4% APY through automated lending on any amount.

Who knows? That hunk of bills burning a hole in your pocket may be the start of your first million. Sign up for a free account with MyConstant today and start making your first steps towards financial independence.

**Disclaimer: This article is for informational purposes only and should not be seen as investment advice. Make sure to do your own research before making any major financial decision.

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George Schooling

George Schooling

Grow your idle savings by lending p2p with us. Join us for up to 18% APR on your first $1000

Tags: best way to invest a little money invest small money online best place to invest little money how to invest the little money you have invest with little money

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